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This is Optimal Finance Daily episode 495, the three levels of financial independence,

because money is only part of the equation.

Part 2, by Sam of Financial samurai.com.

And hi again everybody, happy Friday to you. I am your host Dan. I'm here each weekday

reading to you from some of the best personal finance blogs on the planet. Today's post is a continuation

from yesterday. So if you're new here, I would definitely

recommend listening to yesterday's episode first.

That's episode 494.

But if you're all caught up, let's go, let's hear part two as we continue optimizing your life.

The three levels of financial independence because money is only part of the equation.

Part 2, by Sam of Financial samurai.com.

Remember, once you've reached financial independence, you no longer have to save.

Everybody striving for financial independence tends to save anywhere from 20% to 80% of their after-tax income each year

on top of maxing out their pre-tax retirement accounts.

Therefore, if you're able to 100% replicate your gross annual

household income through your investments, you're actually getting a raise based on the

amount you were saving each year. If you have 20 years left to live and only require $60,000 a year, having 1.2 million can also be considered enough even if you make zero return.

...